Lake Huron Credit Union

Overview / Commentary
1540 Tittabawassee Rd
Saginaw, MI 48604

Lake Huron Credit Union is headquartered in Saginaw and is the 131st largest credit union in the state of Michigan. It is also the 2,187th largest credit union in the nation. It was established in 1959 and as of September of 2022, it had grown to 19 employees and 7,116 members at 2 locations. Lake Huron Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Bay, Saginaw or Midland Counties. Membership is also open to members of Teamsters local 486, employees of trucking companies, automobile dealerships, repair garages, and parts distributors, those who have a State of Michigan drivers license type C (Chauffeur) with CDL type A, B or C and live in the counties listed, anyone age 55 or over who received retirement payments and live in the listed counties or are part of a retirement organization in the listed counties.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Lake Huron Credit Union has a relatively low asset base.

Health Grade Components

NCUA #61638
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD9.01%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$70.7MM$69.7MM
LoansQ3 2022vs Q3 2021$50.2MM$45.9MM
DepositsQ3 2022vs Q3 2021$59.5MM$58.9MM
Equity CapitalQ3 2022vs Q3 2021$7.9MM$7.5MM
Loan Loss AllowanceQ3 2022vs Q3 2021$172.00K$546.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$411.00K$229.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for Lake Huron Credit Union are currently being reviewed.


Lake Huron Credit Union Locations
Branch Office5685 Shattuck RdSaginaw, MI 48603
Branch Office1540 Tittabawassee RdSaginaw, MI 48604-9445

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